FAQs

The ADF is a non-bank financial institution launched with an initial contribution of US$100 million made by the US Government and it is expected that other donors will help increase the fund. The sole purpose of the ADF is to provide credit to the agricultural sector. It is crucial to keep in mind that the ADF is “owned” by the MAIL and should not be perceived as a USG activity.

Once a loan has been approved, ADF can provide technical assistance in credit administration, marketing and in some cases production-related activities as a way to increase the likelihood of success of the borrowers’ operations

Sharia-compliant and conventional loans are provided. The rate ranges between 5 and 17 percent or the equivalent mark-up for Sharia-compliant loans, depending on the specific nature of the activity. For ADF financial and non-financial intermediaries that on-lend the ADF funds to farmers, ADF charges a rate that is closer to 5% or the equivalent mark-up for Sharia-compliant loans.

ADF welcomes expressions of interest from clients located in any part of the country. However, in the case of organizations with more than one branch, the requests should be submitted through their headquarters. Business ideas, concept notes and questions can be forwarded to ADF regional offices, or its main office in Kabul.